- Loan Open For Subscriptions Until 5 Nov 2026
Working Capital Financing for Climate-Smart Businesses in Kenya
Flowt Intelligence Inc
- Nairobi, Kenya, Kenya
Menu
- 6,000 USD
Amount committed of 100,000 USD target. This loan will be funded as long as it raises between 50,000 USD and 250,000 USD.
Flowt is seeking catalytic capital to on-lend to viable climate-smart businesses across Kenya, including agri-food, clean technology and green manufacturing. The facility will support established, revenue-generating businesses underserved by traditional banks. We use verified financial data to assess borrowers, with repayments generated from operating cash flows. As loans are repaid, capital will be recycled to finance additional businesses, expanding access to finance and measurable impact.
- 2 Lenders
Committed
- 24 months
Loan Period
- 8%
Interest Rate
- BACKGROUND
Loan summary
Kenya’s agri-processors, solar distributors and green manufacturers are central to a more resilient, low-carbon economy. Yet banks routinely turn them away because they lack the collateral that traditional lending demands. The result is a working capital gap. Businesses with real customers and revenue cannot buy inventory, pay staff, or accept new orders when they most need to.
Flowt is an AI-native fintech that closes this gap by lending against verified cash flow instead of collateral. Its credit engine reads bank and mobile money data, or connects to a company’s ERP, to underwrite and monitor each borrower.
Flowt will on-lend this capital from LendForGood to climate-smart small businesses and recycle it through short-term working capital loans as they repay, so each dollar reaches more businesses. The loan also gives Flowt the repayment track record it needs to attract larger pools of capital and expand its mission of financing small businesses that banks overlook.
Borrower's mission
Flowt’s starting point is a $330B financing gap for small businesses across Africa, caused by unreliable records, costly due diligence, and lenders’ lack of visibility once money is out the door. Its answer begins with a free Financial Health Check. It produces a cash based profit and loss report and over 20 financial metrics, even for businesses with no formal bookkeeping, plus tips on how to improve. Businesses that are not yet ready to borrow still benefit, and Flowt builds a pipeline of future borrowers. Flowt has recently raised pre-seed funding to grow this approach.
Over the next five years, Flowt plans to expand sector by sector and open its data and lending infrastructure to banks, impact investors, and other capital providers, so they can underwrite and monitor their own small business portfolios. Over the next decade, it aims to deploy $1 billion in working capital across emerging markets. Each financed business is expected to grow revenue by about 2x its loan, sustain around 20 direct jobs, and support about 1,000 indirect livelihoods. Women and youth entrepreneurs, who are most often excluded by traditional lending, are expected to benefit disproportionately.
The activities funded by this loan are helping to achieve the above Sustainable Development Goals as defined by the UN.
Intermediary's experience with impact enterprises
We are a resource-mobilization intermediary that connects impact enterprises, nonprofits and grassroots organizations with the partners and capital required to scale. Through our matchmaking platform, micro-grant fund and capacity-building programs, we help organizations sharpen their models, strengthen their systems and become investment-ready. With experience across diverse sectors in Kenya, we translate community-driven solutions into clear, fundable opportunities that deliver long-term social impact.
- IMPACT
Impacts and how they are measured
Impact. This loan puts working capital into climate-smart small businesses, including agri-processors, solar and e-mobility firms, and green manufacturers, at the moment they would otherwise stall. At Flowt’s average loan size of about $33,000, $100,000 funds roughly three businesses at once, and more as repayments are recycled over the two years. On Flowt’s estimates, each business sustains about 20 direct jobs, so the first cohort alone supports around 60. Revenue growth is projected at about 2x each loan. The wider benefit is steadier supply chains in agriculture, clean energy, and waste management, which are increasingly exposed to climate shocks. Because Flowt lends on cash flow, the benefits reach women and youth led businesses that collateral rules usually exclude. Measurement. Flowt tracks impact from its own portfolio data, reported to lenders over the loan term:
Want more info & ability to lend?
To access more detailed loan information, and to have the ability to participate in this and other loans, you must log in to your LendForGood account. If you are yet to sign up, you can complete the free, once-off process here. If you are not ready to sign up, join our mailing list and we will let you know about future lending opportunities.